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HOW THE BANK

IS DRIVING CHANGE

The bank for a changing world

2015 ANNUAL REPORT

BNP PARIBAS,

AN INTEGRATED

MODEL, A GUARANTEE

OF PERFORMANCE

Business model

5

Key figures

6

International presence

7

The Board of Directors .... 8

Interview with the

Chief Executive Officer

11

The Executive

Committee

13

Our business

14

Shareholders

18

Human Resources

20

Corporate Social

Responsibility

22

Our commitments

24

3 QUESTIONS ABOUT BANKS

29

How do banks

contribute to the real economy? How do banks participate in the energy transition?What will the bank of the future look like?

Viewpoints

34Viewpoints

42Viewpoints

50

Financing the real

economy: a key role for BNP ParibasHow BNP Paribas is accelerating the energy transition Digitalisation at the heart of BNP Paribas' transformation

Highlights

36Highlights

44Highlights

52

BNP Paribas:

supporting the real economyBNP Paribas: furthering the energy transitionBNP Paribas: driving change 3341
49

BNP Paribas is the bank for

a changing world, aware of the changes affecting society, attuned to its concerns and committed to meeting its future needs. Through examples and highlights of the past year, the 2015 Annual Report presents not only the BNP Paribas Group, but also provides answers to questions in society on the role of banks.

BNP PARIBAS

AN INTEGRATED MODEL, A GUARANTEE OF PERFORMANCE

OUR ACTIVITIES

The BNP Paribas Group is organised around two main activities: Retail Banking & Services (comprising Domestic Markets and International Financial Services) and Corporate & Institutional Banking.

Domestic Markets

French Retail Banking

BNP Paribas Fortis

BNL

BGL BNP Paribas

Arval

BNP Paribas Leasing Solutions

BNP Paribas Personal Investors

International

Financial Services

BNP Paribas Personal Finance

International Retail Banking

BNP Paribas Cardif

BNP Paribas Wealth Management

BNP Paribas Investment Partners

BNP Paribas Real Estate

RETAIL BANKING & SERVICES

CORPORATE

& INSTITUTIONAL

BANKING

Corporate Banking

Global Markets

BNP Paribas Securities Services

AN INTEGRATED GROUP AND EUROPEAN LEADER

heart of BNP Paribas" business model. The Group serves nearly 32 million individual custom ers and 1 million professionals, entrepreneurs, small and medium-sized enterprises and large corporate clients in its retail-banking networks. In addition, BNP Paribas Personal Finance has more than 20 million active customers.

With global reach, coordinated business lines and

proven expertise, the Group provides a full range of

innovative solutions adapted to client needs. These include payments, deposits, traditional and specialised āē ē ē asset management as well as real-estate services.

In the area of corporate and investment banking, the Group offers clients access to the capital markets, solutions as well as advisory and risk-hedging solutions for all asset classes. With a presence in 75 countries, BNP Paribas helps clients to grow internationally. - 2015 ANNUAL REPORT 5

BUSINESS MODEL

KEY FIGURES

*Fully-loaded Basel 3 common equity Tier 1 ratio as at 31 December 2015, taking into account all CRD IV (Capital Requirements Directive) rules with no transitory provisions.

**Includes 100% of Private Banking revenues in the four domestic markets (excluding PEL/CEL effects).

***Subject to the approval of the Annual General Meeting of 26 May 2016.

GOOD OPERATING PERFORMANCE

GOOD FINANCIAL STRENGTH

2015 ANNUAL RESULTS

Against the backdrop of a gradual recovery in economic growth in Europe,

BNP Paribas delivered

a good operating performance in 2015. Revenues totalled €42.9 billion , up 9.6% compared to

2014. Revenues rose in all operating divisions with a sound performance

by Domestic Markets and marked increases at both International Financial Services and Corpor ate & Institutional ratios, the fully-loaded Basel 3 common equity Tier 1* ratio was 10.9% a t 31 December 2015.

REVENUES

€42.9bn

NET INCOME ATTRIBUTABLE

TO EQUITY HOLDERS

€6.7bn

DIVIDEND PER SHARE

€2.31

€11.7bn

Corporate

& Institutional

Banking

€15.9bn

Domestic

Markets

Retail

Banking

& Services

€15.3bn

International

Financial Services

A HIGH SOLVENCY

RATIO 10.9%

A VERY LARGE

LIQUIDITY RESERVE

€266bn

Additional information can be found in the 2015 Registration Document and Annual Financial Report on invest.bnpparibas.com - 2015 ANNUAL REPORT 6

INTERNATIONAL PRESENCE

OUR WORLDWIDE PRESENCE

MORE THAN

189,000

EMPLOYEES

IN 75

COUNTRIES

EUROPE

146,610

employees

AMERICAS

19,845

employees

ASIA-PACIFIC

12,180

employees BNP Paribas is a European Group with global reach.

AFRICA

9,860 employees

MIDDLE EAST

580
employees - 2015 ANNUAL REPORT 7 THE DUTIES OF THE CHAIRMAN AND THE BOARD OF DIRECTORS

The Chairman

The Chairman is responsible for ensuring that the

quality of the relationship with shareholders is maintained, coordinating with any steps taken by Executive Management in this area. In this connection, the Chairman chairs the Share holder Liaison Committee.

The Chairman provides support and advice to

executive responsibilities.

Coordinating closely with Executive Manage

ment, the Chairman can represent the Group in its high-level relationships, at national, Euro pean and international levels.

JEAN LEMIERRE

CHAIRMAN OF

THE BOARD OF DIRECTORS

The Chairman contributes to promoting the

values and image of BNP Paribas, both within the Group and externally. he can take part in any internal meeting on subjects relating to strategy, organisation, investment or disinvestment projects, risks and

Together with the other members of the

Board of Directors, the Chairman oversees the

implementation of the Group's Business Devel- opment Plan.

The Board of Directors

The Board of Directors formulates BNP Paribas'

strategy and overall business objectives based on proposals submitted by Executive Manage and decides on strategic operations and over- sees the implementation of the objectives it has approved. The Board is also kept regularly informed of the Group's liquidity situation and ongoing commitments.

In 2015 the Board of Directors examined the

2014-2016 Development Plan in light of the

operating divisions' performance, the dete riorating economic environment, the fall in interest rates and the impact of new taxes and regulations.

The relevance of the choices made in the Plan

projects preparing the bank of the future, the good results of the Plan in the various regions, the strengthening of capacities in terms of compliance and control, and a stringent risk- management policy.

THE BOARD OF DIRECTORS

- 2015 ANNUAL REPORT 8 1

JEAN LEMIERRE

Chairman of the Board

of Directors of BNP

Paribas

2

JEAN-LAURENT BONNAFÉ

Chief Executive

of BNP Paribas 4

MONIQUE COHEN

Partner of

Apax Partners

5

MARION GUILLOU

Chairwoman

of Agreenium

THE BOARD OF DIRECTORS

The Board of Directors is

comprised of 14 directors, 12 of whom were appointed by the shareholders and 2 elected by employees.

There is an equal representation

of men and women, and there are four different nationalities. 6

DENIS KESSLER

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